Car connoisseurs know that not all cars are created alike. So it makes sense that unique or collectible car owners should have specialized auto insurance. 

Auto insurance for collectible cars considers factors that are exclusive to these cars. If you own a collectible vehicle, the Halkos Insurance Agency can ensure you have the appropriate coverage. And our affiliation with the Hagerty Drivers Club can give you added protection through its 24/7 roadside assistance. 

What Does Classic Car Insurance Cover?  
Collectible cars are generally not driven regularly. Therefore, their mileage is often much lower than vehicles used daily. But mileage is just one factor that is different from “regular” auto insurance. Other differences are reflected in a classic car insurance policy, including: 

Lower premiums. Classic or collectible cars are prized possessions and are usually driven with great caution. Premiums through Hagerty have adjusted accordingly, often more than 30% lower than a regular car insurance premium. However, if you have a daily driver insurance policy for your collectible car, your vehicle may be rated like a regular-use vehicle, and you’ll pay as if you drive it every day. 

Guaranteed value. Commonly known as agreed-value coverage, we negotiate with you the value of your classic auto, confirming it’s a fair, accurate number. Then, in the event of a covered total loss, we will guarantee that this agreed-upon value is paid to you.  

Flexible usage. A policy through Hagerty gives you flexible use. Even if you have full coverage through a regular car insurance carrier, there can be mileage and usage restrictions on how and when your classic is driven.  

What Is the Hagerty Drivers Club? 
The Hagerty Drivers Club is specifically for collector cars. Our affiliation with the club provides our policyholders with a comprehensive 24/7 full-service roadside assistance program for lockouts, battery jumps, tire changes, emergency fuel delivery and more—with guaranteed flatbed towing utilizing soft straps. 

Does Insurance Cost More for a Classic Car? 
A classic car insurance policy generally costs less than regular car insurance, and we can help you get appropriate coverage for the use of your collectible. We are licensed in the District of Columbia, Delaware, North Carolina, Ohio, Pennsylvania, Tennessee and Virginia, and we have been servicing these areas since 1990.  

Get Your Collectible Coverage 
Call the Halkos Insurance Agency today at 301-206-5464 to ensure your specialty car has the valuable coverage it should have.